Approved for $3200 in credit in February 2015, Bought furniture totally $1100. Made first payment on February 20,2015. Made 11 separate over minimum amount payments in the 9 months from then until Nov. 14,2015. Balance of $529.00. Credit line removed because of late payments. Rooms to Go credit says if you make a payment before a new statement comes out it is credited to the previous month. So I have 2 payments made in May and July. June and August payment late! I made additional payments later in both months. This is crazy. Make payments before statement date (early payment) and it doesn't count. What a ripoff. They lost my business. Discovered this when I was trying to buy more furniture.